Disclaimer: Rate data on this page is updated weekly. Last updated: April 14, 2026. Rates change daily based on market conditions — always contact lenders directly for a current quote on your specific deal. DSCRFinder.com does not guarantee the accuracy of rate information provided by third-party lenders.
Current DSCR Loan Rates — April 2026
DSCR loan rates in April 2026 range from 7.15% to 8.75% for most investor profiles. As of April 14, 2026, the national 30-year fixed rate for primary residences is 6.40% (source: Bankrate). Investment property loans carry a premium of 0.75%–1.5% above that baseline — and DSCR loans add another layer on top as non-QM products.
April 2026 Rate Table by Borrower Profile
| Borrower Profile | DSCR | FICO | Down Payment | Rate Range | |---|---|---|---|---| | Best-qualified | 1.25+ | 740+ | 30%+ | 7.15% – 7.50% | | Strong | 1.25+ | 720–739 | 25% | 7.50% – 7.75% | | Standard | 1.0–1.24 | 680–719 | 20–25% | 7.75% – 8.25% | | Moderate | 0.75–0.99 | 660–679 | 20% | 8.25% – 8.50% | | Challenging | Below 0.75 | Below 660 | 20% | 8.50% – 8.75%+ |
Rates shown are for 30-year fixed DSCR loans on single-family investment properties. ARMs and interest-only products will differ. Source: Bankrate national averages, April 14, 2026.
Best DSCR Lenders — April 2026
Based on the lenders currently listed on our comparison page, here are the most competitive starting rates available this month:
| Lender | Starting Rate | Min DSCR | Min FICO | Best For | |---|---|---|---|---| | New Silver | 5.75% ✓ | 0.75 | 660 | Fix-and-rent investors | | Beeline | Contact for quote | 1.0 | 660 | Fast closings | | Axos Bank | Contact for quote | 1.0 | 700 | Jumbo DSCR loans | | Griffin Funding | Contact for quote | 0.75 | 620 | Flexible qualification | | Kiavi | Contact for quote | 1.0 | 660 | Rental portfolios |
✓ = rate verified on lender's website April 14, 2026. Other lenders require a direct quote as rates are not publicly listed. Starting rates apply to best-profile borrowers. Always compare APR, not just the stated rate.
What's Moving DSCR Rates in April 2026
10-Year Treasury Yield
DSCR rates track closely with the 10-year US Treasury yield. As of mid-April 2026, the 10-year yield is in the 4.3%–4.6% range, which is keeping DSCR rates elevated compared to 2020–2021 lows but below the peak levels seen in late 2023.
Federal Reserve Policy
The Fed held rates steady at its last meeting, signaling a "higher for longer" posture given persistent services inflation. DSCR lenders are pricing in minimal rate cuts through mid-2026, which means current rate levels are likely to persist for the near term.
Non-QM Market Competition
Increased competition among non-QM lenders in Q1 2026 has put modest downward pressure on DSCR loan spreads (the premium over Treasuries). This is partially offsetting the Treasury yield impact and keeping DSCR rates from rising further.
DSCR Rates by Property Type — April 2026
| Property Type | Rate Adjustment vs. SFR | |---|---| | Single-family (SFR) | Base rate | | 2–4 unit multifamily | +0.125% to +0.25% | | Condominium | +0.125% to +0.375% | | Short-term rental (Airbnb/VRBO) | +0.25% to +0.50% | | 5+ unit commercial | Quote-based, typically higher |
DSCR Rates by Loan Type — April 2026
| Loan Product | Typical Rate Range | Best For | |---|---|---| | 30-year fixed | 6.50% – 8.75% | Buy-and-hold investors | | 5/1 ARM | 6.00% – 8.00% | 3–7 year hold periods | | 7/1 ARM | 6.25% – 8.25% | Medium-term holds | | Interest-only (fixed) | 6.75% – 9.00% | Cash flow maximization | | 40-year amortization | 6.75% – 8.75% | Lower monthly payments |
How to Lock the Best DSCR Rate This Month
1. Check your DSCR before applying Use our DSCR calculator to know your ratio before reaching out to lenders. Investors who know their DSCR negotiate better.
2. Get quotes from at least 3 lenders DSCR rates vary widely between lenders on identical deals. A 0.375% rate difference on a $350,000 loan is $100+/month. Use our lender comparison to identify the best-fit lenders for your profile.
3. Compare APR, not just the interest rate APR incorporates origination fees, points, and other costs. A 7.00% rate with 1.5 points may cost more than a 7.25% rate with 0 points — the APR comparison reveals the true cost.
4. Accept a prepayment penalty for buy-and-hold deals If you plan to hold for 5+ years, a 3–5 year step-down prepayment penalty can reduce your rate by 0.50%–1.00%. For long-term investors, the rate savings almost always outweigh the restriction.
5. Improve your DSCR by choosing higher-rent properties The DSCR ratio depends on the property, not just you. Selecting properties with stronger rent-to-value ratios directly improves your rate tier.
April 2026 Rate Outlook
Most DSCR lenders are pricing for rates to remain in the current range through Q2 2026. Key factors to watch:
- April CPI report (releasing mid-month): A softer inflation print could push Treasury yields down and improve DSCR rates within 30–60 days
- Fed May meeting: No rate cut is expected, but updated dot plot guidance could shift the outlook
- Non-QM securitization market: Continued demand for DSCR loan securities is keeping lender spreads competitive
If you're actively looking for a DSCR loan in April 2026, current rates are reasonable relative to recent history. Waiting for significantly lower rates carries real risk given the uncertain macro environment.
Frequently Asked Questions
What is the average DSCR loan rate in April 2026? For a standard borrower profile (680–720 FICO, 1.0–1.25 DSCR, 20–25% down), expect rates in the 7.25%–7.75% range for a 30-year fixed loan in April 2026.
Are DSCR rates higher than conventional investment property rates? Yes. DSCR rates typically run 0.5%–1.5% above conventional investment property mortgage rates. The premium reflects the non-QM nature of DSCR loans and their smaller secondary market.
What DSCR ratio gets the best rate? A DSCR of 1.25 or higher typically qualifies for the best rate tier. Ratios between 1.0–1.24 carry a modest premium. Ratios below 1.0 carry significantly higher rates where available.
Can I get a DSCR loan with a 660 credit score in April 2026? Yes — several lenders including New Silver and Griffin Funding accept FICO scores as low as 620. However, expect rates 0.50%–0.75% higher than borrowers with 720+ FICO scores.
How long does it take to close a DSCR loan in April 2026? Most DSCR lenders close in 21–30 days. Beeline and New Silver can close in 10–15 days for streamlined deals. Complex properties or borrower profiles take longer.
Related: Best DSCR Lenders 2026 | DSCR Loan Rates Guide | DSCR Loan Requirements | DSCR Calculator
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